Relationship Officer - LAP

Job Summary** The Relationship Officer - LAP is responsible for sourcing, acquiring, and managing Loan Against Property (LAP) clients, ensuring high levels of customer satisfaction and contributing to the company's lending portfolio growth. This role involves building strong client relationships, assessing financial needs, and facilitating the smooth processing of LAP applications. Job Responsibilities** * Source new LAP clients through various channels, including direct sales, referrals, and networking events. * Conduct thorough financial needs analysis for potential clients to identify suitable LAP products and solutions. * Explain LAP product features, benefits, and terms clearly and accurately to clients. * Assist clients in completing application forms and gathering necessary documentation for loan processing. * Coordinate with credit and operations teams to ensure timely and efficient processing of LAP applications. * Maintain strong relationships with existing clients, providing ongoing support and addressing their queries or concerns. * Monitor portfolio performance and identify potential risks or opportunities for cross-selling other financial products. * Achieve assigned sales targets and contribute to the overall growth of the LAP business. * Stay updated on market trends, competitor activities, and regulatory changes pertaining to LAP products. * Prepare and submit regular reports on sales activities, client interactions, and portfolio status. Job Qualifications** * Bachelor's degree in Business Administration, Finance, Marketing, or a related field. * Proven experience (typically 2-4 years) in sales or relationship management within the financial services industry, with a focus on Loan Against Property (LAP). * Strong understanding of LAP products, credit assessment processes, and relevant regulatory guidelines. * Excellent communication, negotiation, and interpersonal skills. * Ability to build and maintain strong client relationships. * Results-oriented with a proven track record of achieving sales targets. * Proficiency in using CRM software and Microsoft Office Suite. * Ability to work independently and as part of a team in a fast-paced environment. * High level of integrity and strong ethical conduct. At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country. Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.